2016 Volkswagen e-Golf Insurance Rates

Trying to find low-cost insurance for a Volkswagen e-Golf could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to shop for auto insurance and you need to know the quickest way to compare rates for a new or used Volkswagen and get the lowest price from both online companies and local agents.

It is always a good idea to price shop coverage quite often due to the fact that insurance prices change quite often. Just because you found the lowest rates on e-Golf insurance at your last renewal you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the best ways to reduce your cost while improving coverage.

Find hidden discounts to get affordable insurance quotes

Insurance is not an enjoyable expense, but there could be available discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you complete an application, but some need to be specifically requested before you will receive the discount.

  • Sign Early and Save – A few companies offer discounts for switching to them prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
  • Club Memberships – Being in a civic or occupational organization could earn you a nice discount when getting a auto insurance quote.
  • Claim-Free Discount – Good drivers with no accidents have much lower rates as opposed to policyholders that have many claims.
  • Telematics Devices – People who choose to allow their insurance company to monitor vehicle usage by installing a telematics device such as State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • Home Ownership Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on e-Golf insurance with some insurance companies.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates on e-Golf insurance.
  • Passenger Safety Discount – Options like air bags or motorized seat belts may get savings of up to 25% or more.
  • Discounts for Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates on e-Golf insurance than drivers with accidents.

Just know that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To see insurance companies that offer many of these discounts, click here.

How to compare free insurance price quotes

Performing a rate comparison can be challenging if you don’t know the best way to get rate quotes. You can waste hours driving to insurance companies in your area, or you can utilize online quoting for quick rates.

Most major companies participate in an industry program that allows shoppers to complete one form, and every company returns a competitive quote determined by their information. This system prevents you from having to do quote forms to each company. To compare rates now click to open in new window.

The one downside to comparing rates this way is you are unable to specify which insurance companies you will receive quotes from. So if you prefer to choose specific providers for rate comparison, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

Compare rates however you want, just double check that you are using exactly the same coverages for each price quote. If the quotes have mixed coverages it will be impossible to make a fair comparison for your Volkswagen e-Golf.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can help discover if you would benefit from professional advice.

  • Should I waive the damage coverage when renting a car?
  • Do I need roadside assistance coverage?
  • When should I not file a claim?
  • Are rock chip repairs covered?
  • Do I need added coverage for expensive stereo equipment?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen e-Golf.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for things like doctor visits, pain medications and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

This will cover damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, repair costs for stationary objects, structural damage and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, fire damage and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This pays for damage to your e-Golf resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

More quotes mean more savings

Budget-friendly auto insurance is definitely available online in addition to local insurance agencies, so you need to quote auto insurance with both to get a complete price analysis. Some insurance companies may not provide rates over the internet and many times these smaller companies only sell through independent agents.

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, policy non-renewal, an unsatisfactory settlement offer or delays in responding to claim requests. It doesn’t matter what your reason, switching auto insurance companies is less work than it seems.

Throughout this article, we presented many ways to save on 2016 Volkswagen e-Golf insurance. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. You may even discover the most savings is with the smaller companies.

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